| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $35K | — | $35K | 8.82% |
| MCLAUGHLIN & SMOAK LLC3 Filed as: MCLAUGHLIN & SMOAK | 710 JOHNNIE DODDS BOULEVARD SUITE 102 MOUNT PLEASANT, SC 29484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.13% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5670 COLA, SC 29250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.52% |
| HEBBITS INSURANCE INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $522 | $522 | 1.10% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET SUITE 295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.10% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 35.81% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 15.05% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 12.37% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 7.72% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $782 | $2K | 6.12% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $59 | $2K | 5.39% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $445 | $2K | 5.31% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.11% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $382 | $736 | 2.18% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET UNIT C-1 LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $18 | $375 | 1.11% |
| KIMBERLY A ELSEY3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $201 | $346 | 1.03% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $89 | $168 | 0.50% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $37 | $116 | 0.34% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $7 | $28 | 0.08% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $5 | $28 | 0.08% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $6 | $8 | 0.02% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.01% |
| PARISH J PEACHEE3 | 201 WEST 103RD STREET INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| MCLAUGHLIN & SMOAK LLC3 | 710 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $138 | $543 | 34.96% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $117 | $201 | 12.94% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $72 | $182 | 11.72% |
| ERIN WIGGINS2 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $47 | $124 | 7.98% |
| TRAN B HUYEN-KEODARA3 | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $31 | $124 | 7.98% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $73 | $120 | 7.73% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $2 | $60 | 3.86% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $31 | $60 | 3.86% |
| KIMBERLY A ELSEY3 | 1 JAHUE COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $19 | $33 | 2.12% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.61% |
| LAURA MCCLUNG PLYLER3 | 403 EAST MAIN STREET UNIT C-1 LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.64% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.26% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.19% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 146 | $392K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $48K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $35K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 146 | $392K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.